ADVERSE SELECTION — Insurance. the process of singling out potential customers who are considered higher risks than the average. Also called antiselection .Random House Webster's Unabridged English Dictionary

THE — I. before consonants usually thə, before vowels usually thē, sometime before vowels also thə; for emphasis before titles and names …Merriam-Webster's Collegiate English vocabulary

SEVERANCE — noun the act of severing, or the state of being severed; partition; separation. 2. severance ·noun the act of dividing; …Webster English vocab

THAT — ■ pronoun & determiner ( plural those ) 1》 used to identify a specific person or thing observed or heard …Concise Oxford English vocab